Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$180,031Cash toward the purchase price.
Closing costs + prepaids$13,000Not just lender fees.
Before credits & paid funds$193,031The complete starting cash picture.
Estimated remaining funds due at closing
$193,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,031.29
Your down payment$180,031.29
Closing costs + prepaids$12,999.68
Total buyer cash needed$193,030.97
Remaining funds due$193,030.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,299.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (9 days)$445.34
Fees + prepaids$12,999.68
Your down payment is the seller’s equity. You take over the $259,869 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $193,030.97 is due at closing. Uses and sources reconcile at $452,899.68 each. Not a Closing Disclosure.